Safe Rate Rankings

Best VA Mortgage Lenders in Valdosta

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders28

Total Loans1,294

Median Rate Spread0.21%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Ameris BankBank	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,648Fees	0.123%Above	201
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,247Fees	0.131%Below	108
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$722Fees	0.491%Below	40
4	NBKC BANKBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$450Fees	0.391%Below	13
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,026Fees	0.134%Above	33
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,508Fees	0.448%Below	13
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,764Fees	0.397%Above	128
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,867Fees	0.533%Above	110
9	Renasant BankBank	Strong	Sound	Exceptional	Exceptional	Sound	$3,076Fees	0.056%Below	26
10	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,073Fees	0.224%Below	14
11	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,463Fees	0.194%Above	85
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,277Fees	0.100%Below	11
13	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$693Fees	0.468%Above	24
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,966Fees	0.531%Above	18
15	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,259Fees	0.150%Above	14
16	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,339Fees	0.513%Above	14
17	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,551Fees	0.054%Above	10
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,196Fees	0.843%Above	21

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.